Transcript THE - Aon

HEALTH & DENTAL COVERAGE
FOR INDIVIDUALS
Presented by:
Sadie Mohajer
Senior Consultant, Aon
Hewitt
Health and Benefits Practice
AGENDA
H E A LT H A S S I S T - TA R G E T M A R K E T
P R O D U C T I N F O R M AT I O N
W H Y I S H E A LT H A S S I S T D I F F E R E N T ?
T H E S A L E S A N D A P P L I C AT I O N P R O C E S S
THE REFERRAL PROCESS FOR ADVISORS
For internal use only
PROSPECTS TO TARGET
Small businesses with less than 3 employees (97% of the total number of
business in Canada have less than 50 employees)
Independent Contractors
Seasonal Employees
Temporary or Part time workers
Self employed individuals
Retirees (5.6 M Canadians are over the age of 65 and this number will double to
10 M by 2036)
Surviving Spouses
Overage Dependents and Post Secondary graduates
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THE PRODUCT
HEALTH ASSIST
SIMPLE APPROACH
6 pre-packaged plans
Straightforward eligibility criteria
Affordable coverage
Tax advantages - Individual health plans are eligible medical expenses
under the Canadian Federal Income Tax Act
For internal use only
SIMPLE PROCESS
PLANS 1,2 &3
PLANS 4,5,6 & SEMI-PRIVATE
Guarantee Acceptance
Medical questionnaire only
Approve
OPTIONS
Approve with exceptions
Decline (rare cases)
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HEALTH ASSIST
SIMPLE ELIGIBILITY CRITERIA
Canadian resident
Covered by provincial government health plan - designed to provide services
that supplement each province’s government health plan.
Single, couple/single parent, and family coverage
Applicant must be between the ages of 18 -74
No termination age
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PLAN FEATURES
Y
Single, Couple & Family Coverage

No termination age*
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No waiting period - even for dental

Pay Direct Drug Card

Plan Member Online Services

Vision network (discounts up to 30%!)
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Out-of Province/Country Travel Coverage
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Legal Assistance
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Wellness Resource Library
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Increasing maximums**
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*MUST apply and be approved for coverage prior to age 75
** The longer your client remains on the plan, the better their coverage gets!
For internal use only
N
WHY IS HEALTH ASSIST DIFFERENT?
ACCESS TO LAWYERS TO GUIDE PLAN MEMBERS THROUGH:
Family law
Criminal law
Civil litigation
Landlord and tenant issues
Residential real estate transactions
Wills and estates
Services are unlimited, bilingual, and include local lawyer referrals at preferred rates
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WHY IS HEALTH ASSIST DIFFERENT?
TOOL-KIT OF PERSONAL RESOURCES FOR:
Retirement transitioning
Health and well-being
Parenting and child care
Financial management
Stress management
Crisis ready programs
Career management
Addiction and recovery
Referrals to a network of community resources
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SALES & APPLICATION
THE PROCESS
TWO OPTIONS FOR SALE
OPTION 1– DIRECT PURCHASE:
Go directly online to the HA link: www.healthassist.aon.ca
Review the product options available
Choose the appropriate option
Apply online
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PLAN INFO – QUOTE – APPLICATION ONLINE
www.healthassist.aon.ca
APPLICATION
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RATE
SHEET
PLAN
COMPARATOR
SERVICE YOUR WAY
Pre-Sale Inquiries: [email protected] or call 1.855.722.0472
Website:
www.healthassist.aon.ca
Online claims submission
Claims history
Direct deposit
Benefit booklet
Confirmation of premium statements
Email us
For internal use only
TWO OPTIONS FOR SALE
OPTION 2 – REFER TO A CLIENT:
Forward a copy of the Referral Template to your prospect
Be sure to complete the Prospect information as well as your advisor code at the
bottom of the Referral Template
BCC the GSC email address: [email protected] so that they are able to
track your referrals
For internal use only
For internal use only
What are you waiting for? APPLY NOW
Simple to understand—simple to apply for—simple to use. Click here to apply
for GSC Health Assist today!
For Internal Use Only (By WFG Advisor)
Advisor Details
Applicant Details
Code:
WFG123
Email:
[email protected]
Name:
Joe Smith
Name:
John Do
Telephone Number:
416-123-4567
Telephone Number:
416-123-4567
License Type:
A&S
For internal use only
REFERRAL PROCESS
Use the template provided by Aon for Referral
Fill in your information at the bottom of the template
Complete your client’s information at the bottom of the email
Forward the template to your client
Blind Carbon Copy the Green Shield Email provided so that Green Shield can
keep track of your referral at the time of sale
GSC email for referral: [email protected]
For internal use only
FREQUENTLY ASKED QUESTIONS
How do I apply?
You can apply online or submit a completed and signed paper application
Remember to send a VOID cheque if you are planning to pay via preauthorized debit.
When will coverage take effect?
All plans are effective on the first day of the month following approval. For
plans that do not require medical underwriting, coverage will be effective
on the first of the month following application processing.
For internal use only
FREQUENTLY ASKED QUESTIONS
How are premiums paid?
Premiums are paid monthly either by pre-authorized debit or credit card. Your first
payment covers the first two months of coverage and is due on your effective
date.
So, for example, if your coverage is effective on March 1, premiums for March
and April will be taken on March 1. Subsequent payments will be taken 30 days in
advance of the month for which coverage is to be provided. Continuing with this
example, premiums for May coverage will be taken on April 1.
What happens with the medical questionnaire?
GSC will review the medical information provided, and may:
1. Approve full coverage, or
2. Provide a counter offer, or
3. In rare cases, decline coverage.
For internal use only
FREQUENTLY ASKED QUESTIONS
A counter offer may consist of one or more specific drug category exclusion(s) or
a full drug exclusion for one or more covered person(s), due to pre-existing
conditions. A letter outlining the terms of the counter offer will be sent and you will
then have the option to either continue with the modified coverage or cancel your
application.
What will l receive when coverage is approved?
A Health Assist ZONE information kit will be mailed within 10 business days of
approval. This includes a welcome letter, the Health Assist ZONE Benefit Plan
Contract (which details your coverage), your new GSC Identification Cards and
claiming information.
For internal use only
FREQUENTLY ASKED QUESTIONS
When can I make a claim?
There is no waiting period so you can start claiming for medical and basic
dental expenses that are incurred as of your effective date.
Can I change my coverage?
You can upgrade your plan at any time, subject to medical underwriting if
required. Requests to downgrade your plan will be accepted after you’ve been
covered for one year on your current plan.
How do I terminate my coverage?
You can terminate your coverage by providing GSC with written notice 10
business days prior to your next scheduled preauthorized payment, which is
forty days.
For internal use only
QUESTIONS?
For internal use only